Grace is forty. She is married and has four children, all in school. She lives with her husband and children in a rented apartment in a town called Kade in the Eastern Region of Ghana. She works hard to help her husband provide for the family. Grace is a trader. She sells kerosene in gallons and bottles in her community. She says she buys from fuel tankers that come around to supply. Grace sells to retailers in her community. She has been in business for four years and wants a loan to buy kerosene in large quantity so she can supply to more customers.